There isn't! Everything is handled on a claim by claim basis. It is based on an insurance adjuster's discretion and insurance carrier policy. No two claims are alike. So whenever you hear a contractor complain "You guys paid for this on another claim". That's why... Contracting and insurance adjusting are both very inconsistent industries. Keep this in mind if you are creating estimates to send to the insurance companies for supplement approval. The best way to get everything you are asking for is to ALWAYS act professional, kind, courteous and be fair. The same can be said for the insurance adjuster.
I know many contractors who will ask for a full roof replacement, non-existing drip edge/gutter apron, the homeowner's air conditioner with the dog house roof and overhead & profit (O&P) all marked up to $45,000.00 for a 20 square, 3-tab roof. These same contractors will act like stubborn 2 year olds when they don't get their way. If you are going to ask for everything under the sun, then you need to act like a professional/reasonable person.
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